WALDO STATE BANK

WALDO, WI | Small | Est. Jan. 1, 1913, midnight | FDIC #8700 | RSSD #131940 | FDIC
Latest Report: 2025-12-31

WALDO STATE BANK is asn small FDIC-insured commercial bank headquartered in WALDO, WI, established in Jan. 1, 1913, midnight. As of 2025-12-31, the bank reported total assets of $153M and total deposits of $132M. Profitability stands at 0.40% ROA and 4.22% ROE, with a net interest margin of 3.46%. The bank's CET1 capital ratio is 9.57%. Asset quality metrics show a non-performing loan ratio of 2.15% and a Texas Ratio of 16.24%. FDIC Certificate #8700.

Assets

$153M

Deposits

$132M

Loans

$117M

Equity

$15M

Profitability

Return on Assets (ROA) 0.40%
Return on Equity (ROE) 4.22%
Net Interest Margin (NIM) 3.46%
Yield on Assets 6.30%
Cost of Funds 2.91%

Asset Quality

NPL Ratio 2.15%
Net Charge-Off Ratio 0.23%
Texas Ratio 16.24%
NPA Ratio 1.64%
ACL / Loans 0.72%

Capital & Liquidity

CET1 Ratio 9.57%
Tier 1 Capital 9.57%
Total Capital Ratio 10.05%
Leverage Ratio 10.03%
Loan-to-Deposit 88.78%

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